Bread Financial CD Rate - 4 Year

Bread Financial's 4 Year CD pays 4.45% APY as of September 22, 2026, checked 1 day ago. The rate was raised from 4.00% on September 19, 2026. Since RateBrain began tracking it in 2022, this 4 Year CD has paid as much as 4.65% (Nov 2022) and as little as 2.35% (May 2022). It is currently above the median 4 Year CD rate we track (3.27% across 42 banks).

4.45% APY

up from 4.00% on Sep 19

Last checked: Sep 22 · 1 day ago
Minimum deposit: $1,500

View on Bread Financial’s website »See all Bread Financial rates »

Rate history

Now 4.45% APY

All-time high 4.65% (Nov 2022)
Low 2.35% (May 2022)
1-year change +0.45
12 changes
Tracked since May 2022
Full rate history »

The gray line is the median 4 Year CD rate across the banks we tracked each month.

Rate changes

Date	APY	Change
September 19, 2026	4.45%	+0.45
February 28, 2025	4.00%	−0.25
December 25, 2023	4.25%	−0.25
July 20, 2023	4.50%	+0.15
March 9, 2023	4.35%	−0.15
December 26, 2022	4.50%	−0.15
November 11, 2022	4.65%	+0.50
October 5, 2022	4.15%	+0.55
August 17, 2022	3.60%	+0.30
June 27, 2022	3.30%	+0.50
May 27, 2022	2.80%	+0.45
May 24, 2022	2.35%	first tracked

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Other 4 Year CD rates

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Please Note: We are not a bank or credit union and are not affiliated with any. The information above is provided 'as is' and solely for informational purposes, not for specific financial advice. While we aim to keep our information accurate and current, the rates and information shown on this page may be inaccurate or be out of date. Please check with banks directly for the most up to date and accurate information.